See how a novated lease stacks up against other finance options
Before choosing how to pay for your next vehicle, it helps to understand the real cost of each option.
Buying a car outright, financing it with a traditional loan, or using a novated lease through salary packaging can all lead to very different outcomes. By comparing these options side-by-side, you can see how tax savings, running costs, and payment structures affect the overall cost of driving — helping you choose the approach that best suits your budget and financial goals.
Why Consider a Novated Lease?
Potential Tax Savings
A novated lease allows eligible employees to pay for their vehicle and many running costs using pre-tax salary. This can reduce taxable income and often lowers the real cost of owning and operating a car.
All Your Car Costs in One Payment
Fuel, servicing, registration, insurance and tyres can be bundled into one regular payment, making it easier to manage your car expenses and budget with confidence.
Choice and Flexibility
You can choose the car that suits you — new, used, petrol, hybrid or electric. The lease stays with you if you change jobs, giving you flexibility throughout the life of the lease.
How novated leasing works
A novated lease allows eligible employees to pay for a vehicle and
associated running costs directly from their salary.
Step 1.
Choose a new or used vehicle.
Select the car you want new or used
and the lease is arranged through your employer.
Step 2.
Lease is set up with your employer.
Lease payments and many running costs can be deducted from salary, which may reduce taxable income.
Step 3.
Costs are managed simply.
Fuel, servicing, insurance and registration can be bundled into one regular payment.
Whether you’ve already found the perfect car or need help narrowing it down, we’re here to assist. You can lease a new, used, or even your existing vehicle in some cases. We’ll help you work out the best deal and provide a quote tailored to your budget and salary.
We liaise with your employer to set up the salary packaging arrangement. They don’t need to do much — we make it easy on their end too.
Throughout your lease we remain your ongoing point of contact — whether it's for service bookings, claims, or questions. You’ll also have access to a driver portal to track expenses and claims.
.png)
Why Choose Express Fund?
At Express Fund, we go beyond just leasing cars — we make the process fast, flexible, and easy to understand. Whether you're an employee or a business owner, our goal is our aim is to help you make the most of your before-tax salary and drive with confidence.
Flexible finance options tailored to your needs.
Fast approvals so you can access funds when you need them.
Expert support every step of the way.
Competitive rates with no hidden fees.
Trusted by businesses and individuals Australia-wide.
Testimonials
Great work Express Fund
“Great work on my new vehicle acquisition from Ben and the team, I'd have no hesitation in recommending their great services to anyone!"
- Byron
Highly recommend!
"Thank you so much for everything that you've done for me and helped me with through this.Will certainly recommend you to friends and use you again in the future."
- Michael
Will definately use again
"A great way of financing my new vehicle purchase, will continue this way with my next purchase"
- Andrew
Calculate your savings